You know their numbers. I bring the insurance and pension tools.
Your clients trust you with the hard stuff. When their planning needs insurance or a pension, you want someone who stays in their lane, shows their work and never surprises you. That's how I work.
How I work with you
You stay the quarterback on tax and structure.
I don't give tax or legal advice, and nothing goes in place before you've had the chance to review it.
Joint meetings when you want them.
You see the illustrations, the premium splits and the reasoning.
No surprises.
With your client's permission, you get a copy of what I send them.
Specialists when it calls for one.
Pension specialists for IPPs and RCAs, portfolio managers for high-net-worth clients, succession specialists. I bring them in and coordinate.
Independent.
I work with many insurance companies, so recommendations aren't tied to one carrier.
What I help your clients with
- Funding buy-sell agreements and key person coverage
- Corporate-owned insurance and the capital dividend account
- IPPs and RCAs, set up with specialist partners
- Corporate surplus and passive income planning
- Shared-ownership critical illness
- Estate freezes and estate equalization
- Disability coverage for owners and key employees
Free one-pagers for your files
Four short technical summaries, written for professionals.
Funding the Buy-Sell: Why the Insurance Structure Is Half the Agreement
Three ways to fund a buy-sell, and the tax mechanics to flag before the agreement is drafted.
Download PDFLife Insurance Shares: Equalizing an Estate Without Splitting the Business
A share class that carries insurance proceeds to the heirs who aren't getting the company.
Download PDFThe Executive Benefit That Pays for Itself If Nobody Gets Sick
Shared-ownership critical illness with return of premium as a retention tool.
Download PDFYour Buy-Sell Covers Death. Does It Cover Monday Morning?
Key person disability versus disability buy-sell, and the tax notes that matter.
Download PDFHow a referral works
- 1You tell me about the client, with their OK, and what you're seeing.
- 2I meet the client, with you or on my own. Your call.
- 3I come back to you with a plain summary and the numbers before anything is signed.
- 4We put it in place and review it together as things change.
FAQ for professionals
Will you try to sell my client things I didn't ask about?
If I see a real gap, I'll say so. That's my job. But nothing moves forward without the client agreeing, and with their permission, you'll hear about it from me first.
Do you pay referral fees?
No. I don't pay referral fees, and I don't accept them from other professionals. You refer to me, I refer to you. Simple.